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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,316 | $91,710-88.8% | $67,560-84.7% | $77,762-86.7% |
| Participation rate | 55.9% | 76.0%-20.1pp | 72.9%-17.0pp | 70.6%-14.7pp |
| Annual return | 12.22% | 14.88%-2.7pp | 3533.50%-3521.3pp | 31.27%-19.0pp |
| Employer contribution / active EE | $1,154 | $3,187-63.8% | $2,737-57.8% | $2,728-57.7% |
| Participant deferral / active EE | $854 | $3,911-78.2% | $4,004-78.7% | $4,651-81.6% |
| Admin fee / account holder | $568 | $245+131.7% | $3,994-85.8% | $433+31.1% |